Individual and general information about the pension

The earnings and the accrual rate have a decisive effect on the earnings-related pension. As regards the amount of the pension it is usually a better idea to continue working than to take a pension.

This section provides information about the determination and size of the pension and the principles for calculating the pension. For instance the example tables show the amount of the pension at different earnings levels and the effect of taxation on the pension. Using the example calculators of different pension providers you can yourself calculate a rough estimate of your earnings-related pension. The web pages also contain a calculator for calculating the effect of the accelerated accrual rate of 4.5% on the pension of a person who continues working beyond the age of 63. There is also a calculator to assess the effect of the life expectancy coefficient.

Naturally enough, no pension accrues for undeclared work.

In this section you can also check your pension record. When checking the pension record you can also at the same time choose whether you in the future want to check the pension record online or whether you still want to receive the pension record annually by post.

The electronic pension record lists your earnings from private-sector employments. Your pension is calculated on the basis of the data in the pension record.  The pension record includes data on your accrued pension and usually also an estimate of your old-age pension at ages 63, 65 and 68. You should check that all the data in the pension record are correct.